Liability protection – Defends and protects you if a person sues you after being injured on your property or after you damage their property.

Personal property coverage – Covers your household items and other personal belongings for fire, theft, or accidental damage.

Medical payments to others – Provides coverage if you accidentally cause injury to another person; includes medical expenses resulting from bodily injury caused by an automobile accident.

Unlimited fire protection (UF) – Provides coverage if you have a covered peril at any time during the policy term or after it expires; also provides up to $200,000 in hazard mitigation assistance per claim.

Other structures – Protects the physical structure of buildings on your property separate from your home, such as a detached garage.

Liability coverage: Protects you against lawsuits over injuries or property damage, even if the injury or damages are your fault.

Coverage for additional living expense (ALE): If a covered peril forces you to live elsewhere while repairs are being made on your home, this protects you from paying rent and other expenses associated with your temporary housing

Replacement cost vs. actual cash value: Replacement Cost Coverage is like an extended warranty that will replace your damaged items at their current value rather than their depreciated amount. It may not be necessary for homes that have been well maintained by homeowners during the lifespan of its policies but can provide peace of mind when catastrophic events occur, such as hail storms.

Age of your home: Older homes are more likely to have problems with water damage, mold, and wood rot.

Coverage for contents: Contents coverage is meant to protect your belongings in the event of a covered peril such as fire or theft. Most policies offer replacement cost protection on certain items that will be replaced at current value rather than depreciated but may not cover things like jewelry that you should insure separately.